Financial Institutions possible future

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With increasing COVID cases and slower vaccination rate some form of economical restriction seems to be inevitable. And With the recent increase in loan loss provision by NRB, it might be suggesting the cautionary step against future loan defaults and downturn of economy. For short term, class A banks like adbl ccbl might be heavily affected, but in coming years problems seems to be looming around the financial institutions, mainly micro finances.

So, Is it advisable to sell financial institution after this bonus mania turns over, or is this yet not a problem to be worried about?

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